Free Credit Score: SavvyMoney

A free, ongoing credit score report and monitoring program

Get Your Free Credit Score and More With SavvyMoney

Free Access

Get your daily credit score, credit report, and credit monitoring at no cost to you.

Track Your Credit Score

Pull your updated credit score every 24 hours. Your score will never be negatively affected.

Save Money

Get personalized offers that can help you get a better deal and reduce your interest costs.

Improve Your Credit

Take simple actions that guide you to improve your credit and financial health.

Free Credit Monitoring

Keeping track of your credit is now simpler than ever before. Utilize Foothill's free credit score tool – SavvyMoney, to effortlessly check your credit score, oversee your credit activity, and receive valuable financial advice on how to enhance your score.

There are no extra apps to install or additional tools to learn. Simply opt-in within digital banking to activate SavvyMoney, and you’re good to go!

Accessible anytime and anywhere––from your laptop or mobile app––you can manage all these tasks without affecting your score. 


How To Access Your Free Credit Score

  1. Login to online or mobile banking.

  2. Enroll by clicking the SavvyMoney widget on the right side of the screen (desktop) or towards the bottom of the home screen on your mobile banking app.

  3. Grant SavvyMoney access to your Credit Score and start receiving real-time credit alerts and daily credit score updates.

If you have yet to enroll in mobile or online banking, follow our quick enrollment options to get started, or download our mobile app.

Frequently Asked Questions

SavvyMoney is a comprehensive Credit Score program offered by Foothill Credit Union, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how your financial institution can help save you money.

Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like Credit Score, when you check your credit report, there will be no impact to your score.

No. SavvyMoney is entirely free and no credit card information is required to register.

As long as you are a regular online banking user, your credit score will be updated every seven days and displayed in your online banking screen. You can also refresh your score and full report every 24 hours by clicking “Refresh Score” and navigating to the detailed Credit Score Dashboard within digital banking.

SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660,
Unfavorable 501-600, Bad Below 500.

No, Foothill Credit Union uses its own lending criteria for making loans.

SavvyMoney Credit Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with Foothill Credit Union.

The SavvyMoney Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually.

Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

No. Checking SavvyMoney Credit Score is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Yes. SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile.

Based on your SavvyMoney credit score information, you may receive offers on Foothill products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. Please note that this does not mean you are automatically approved for an offer. You will still need to go through Foothill's lending process.

The educational articles written by the SavvyMoney team are designed to provide helpful tips on how you can manage credit and debt wisely.


Product(s) and program(s), terms, conditions, and restrictions apply and are subject to change at any time. Enrollment in Online banking and Savvy Money required. Message and data rates may apply. Check with your mobile provider. Must be a Foothill primary member with a minimum $5 opening deposit and continuing balance. 

The services are provided by SavvyMoney, Inc. and do not represent any agreement by Foothill Credit Union to provide any product, service, or other benefit to me. Information provided by SavvyMoney, Inc. is for educational purposes only and does not represent accounting, tax, legal, real-estate, mortgage, and financial planning or investment advice by Foothill Credit Union. The credit report card and score is not used for determining loan rates or loan approval purposes; loan rates and approvals are based on information provided separately to Foothill Credit Union when you apply for a loan. The credit score found in the credit report used by Foothill Credit Union may be different than the credit score provided within SavvyMoney.

Foothill Credit Union is a full-service credit union with California branches in Arcadia, Covina and Glendora.